Life100 NWL. Life100. A Comprehensive Universal Life Product. NWL Life 100 an easy, affordable way to take care of all your family and business needs
|
|
- Elvin Reed
- 8 years ago
- Views:
Transcription
1 Life100 NWL Life100 Policy Form and state variations A Comprehensive Universal Life Product SA-9255.Rev NWL Life 100 an easy, affordable way to take care of all your family and business needs Page 1 of 6
2 Life NWLLife National Western Life Insurance Company created the NWL Life 100 to address many of the concerns of people in the new millennium. As times change, needs are changing and traditional forms of insurance are being enhanced by benefits that provide solutions to many of today s problems. NWL Life 100 provides comprehensive, affordable security for any stage of life. Designed for singles, young families, empty nesters, or retirees, NWL Life 100 can provide you and your family or business with security and care for your financial needs. No amount of planning can change yesterday, but you can plan today for tomorrow s financial needs. NWL Life 100 is a unique insurance product that offers flexible premiums during your lifetime until the maturity date. NWL Life 100 may provide funds for: estate taxes and funeral costs; loans, debts and other obligations; the living expenses of the family; college education during the life of the Insured or after death; a business at the death of a key employee; the orderly transfer of a business at death; and retirement needs. Page 2 of 6
3 SUPPLEMENTAL LIFE INSURANCE Today many families are buying term insurance because of the low cost of insurance that this product offers. NWL Life 100 allows you to combine the low cost benefits of Supplemental Life Insurance with the tax deferral features of universal life. The outcome is a customized policy that lets you own the benefits of permanent insurance which builds cash value that is tax deferred, such as universal life, with low cost Supplemental Life Insurance. This combination gives you the best of both worlds. Tax deferral can also offset your insurance charges. With NWL Life 100, your earnings are protected against current taxes and they compound tax deferred. Over the long term, the difference between tax-deferred and taxable investment earnings can be substantial. LIVING BENEFIT RIDER** (Form and state variations) Another problem many people face today is being diagnosed with a terminal medical condition and not having sufficient funds to organize their financial affairs and maintain a comfortable standard of living. National Western Life can assist you in developing a solution to that problem by adding an automatic Living Benefit Rider to your base NWL Life 100 policy at no additional cost. This rider is designed to give you a Benefit Advance if you are diagnosed with a terminal medical condition. A qualified physician must diagnose you as having a terminal medical condition (as defined in the policy) which will result in death within a year from the date of certification. The Benefit Advance you are entitled to receive is the lesser of $250,000 or 75% of the face value of your policy, less policy loans.*** Optional. At additional cost. May not be available in all states. Page 3 of 6
4 FINANCIAL NEEDS ANALYSIS* Each of our families face cash needs at the time of our death. While there are several ways of saving for this contingency, life insurance is an excellent solution to long term financial needs. Life insurance can provide funds that will be there at the time they are needed. Which of these cash needs should you consider? Client Spouse Final Expenses Amount required: medical, funeral, burial costs Emergency Fund Amount required: money for unexpected expenses Education Amount required: funds for your children s education Mortgage & Debt Liquidation.. Amount required: paying off the mortgage on your home and other financial obligations Estate Settlement Amount required: all costs associated with the transfer of assets to your heirs Other Needs Amount required: Less existing coverage: Additional coverage required: Monthly Income Needed How much income is needed for your family in the event of an untimely death? Total monthly living expenses, including mortgage payments, (if not listed above) should be considered. $ $ per month for 10 years at client s death per month for 10 years at spouse s death *This does not constitute an offer by National Western to sell you this amount of coverage. Only you can properly determine the amount you wish to purchase. Page 4 of 6
5 Receipt of a Benefit Advance will reduce your cash values, loan values and the death benefit of your policy. It may also adversely affect your eligibility for Medicaid or other government benefits or entitlements. Since receipt of a Benefit Advance may also be a taxable event, you should consult your personal tax advisor. TAX ADVANTAGES OF LIFE INSURANCE You can create a legacy for your loved ones with a possible increase in the value of your estate which may be income tax free to your beneficiaries and not subject to probate. NWL Life 100 is a life insurance plan developed for your concerns because it provides for the needs you face today. EASY ACCESS TO YOUR FUNDS If you ever need access to your policy s cash value, you may either make a withdrawal or a policy loan. The cash value gain in the policy is currently available on a preferred loan (zero net cost) basis by Company practice only. The balance of the funds are available at a cost determined by the Company and subject to change. (Current Company practice is 1.5% net). required, certain states will have a guaranteed interest rate of 3% per annum in policy years 1-10 and 2.5% per annum thereafter compounded annually), regardless of what may happen to the general economy. Current Interest Rate Your Account Balance may be credited with excess interest that is competitive with other tax-advantaged products. Bonus Interest Rate In policy year 11 and thereafter, a 1/2% interest bonus will be added to the current interest rate as long as the current interest rate at the end of the policy month is above 3%. (In those states referred to in the minimum interest rate description, a 1/2% interest bonus is payable regardless of the current interest rate). COMPETITIVE INTEREST RATES Minimum Guaranteed Interest Rate National Western Life guarantees the interest rate on your Account Balance will never fall below 3% compounded annually (Where ** May not be available in all states. *** National Western Life may charge a claims processing fee. Page 5 of 6
6 LIMITATIONS & EXCLUSIONS Suicide: Within two years after the policy date, if the death of the Insured is a result of suicide, while sane or insane, nothing will be paid under the policy except to BONUS INTEREST CURRENT INTEREST RATE GUARANTEED INTEREST RATE return premiums, less any loans, loan interest, and partial surrenders. Incontestability: After the policy has been in force during the lifetime of the Insured for two years from the policy date, the policy will not be contested, except for fraud (except for those riders which have their own clause on contest). Delayed Payment of Cash Surrender or Policy Loan: The Company has the right to delay the payment of any cash surrender or the granting of a policy loan, except a loan to pay premiums on any policy that the Insured may have with the Company, for a period of up to six months. Misstatement of Age or Sex: If the age or sex of the Insured has been misstated, the benefit payable shall be adjusted to that which could be purchased by the most recent monthly deductions at the correct age or sex. ABOUT THE COMPANY National Western Life Insurance Company is a Colorado corporation with executive offices in Austin, Texas. The Company offers a full line of life insurance and annuity products (both on an individual and group basis), through general agency offices in 49 states, the District of Columbia, and accepts applications from residents of several foreign countries. As of December 31, 2007, the Company had $17.6 billion of insurance in force, $6.1 billion in assets, $5.4 billion in liabilities, and $711 million in capital and surplus. National Western has consistently ranked in the top 100 companies in the industry by total admitted assets and capital & surplus. Since its start in 1956, National Western has emphasized financial strength for the protection of its policyholders. As a legal reserve insurance company, National Western must set aside a portion of its assets equal to reserves required by law. Annually, a financial statement is filed with each state s insurance department. These departments have authority to verify, through reviews and audits, that the appropriate reserves are maintained. CLIENT SERVICES WATSLINE Page 6 of 6
NWL ACCUMULATOR. A Word to Our Customer. Product Highlights: Payroll Deduction Universal Life Insurance For At Work Employees and their Families
Payroll Deduction Universal Life Insurance For At Work Employees and their Families NWL ACCUMULATOR Policy Form 01-1120-00 and State Variations A Word to Our Customer Product Highlights: Affordable Protection
More informationProtection That Offers Selection To Fit Your Lifestyle! More Choices More Control!
Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control! Consumer Brochure A Flexible Premium Life Insurance Policy with Equity Index Options Policy Form 01-1143-07 and state
More information01-1123L-01 / 01-1123D-01
Policy Forms 01-1123L-01 / 01-1123D-01 and state variations Issued by National Western Life Insurance Company Consumer Information SA-9286(Rev.5/02) Page 1 of 6 S a f e g u a r ding your family s most
More informationInsurance. Survivorship Life. Insurance. The Company You Keep
Insurance Survivorship Life Insurance The Company You Keep Permanent Life Insurance Protection for Two People You ve built a legacy, but who will be the recipients your heirs or the IRS? 1 Now is the time
More informationDo You Have the Right Life Insurance?
Do You Have the Right Life Insurance? Having adequate life insurance should be an important part of your financial planning. The type(s) you choose will depend on your needs and goals. Life insurance was
More informationYOU CAN OWN? WHY RENT WHEN
WHY RENT WHEN YOU CAN OWN? A COMPARISON OF TERM & PERMANENT LIFE INSURANCE This guide helps you understand the differences between term and permanent coverage by comparing them to renting versus owning
More informationWest Coast Life LifeTime Platinum III UL WCLAG.1459 (03.10) Producer / Broker Guide
West Coast Life LifeTime Platinum III UL WCLAG.1459 (03.10) Producer / Broker Guide Meeting Your Clients Needs Your clients financial situations and personal goals are unique to them. Helping your clients
More informationIndexed Survivor Universal Life
Indexed Survivor Universal Life Protecting your estate... 15888 7/10 Indexed Survivor Universal Life Building wealth has always been about more than living the good life. The estate you ve amassed through
More informationSENTINEL SECURITY LIFE INSURANCE COMPANY PO Box 65478 Salt Lake City, Utah 84165 Phone: 1-800-247-1423
SENTINEL SECURITY LIFE INSURANCE COMPANY PO Box 65478 Salt Lake City, Utah 84165 Phone: 1-800-247-1423 Annuity Disclosure Statement for Single Premium Deferred Annuity PERSONAL CHOICE ANNUITY SSLANPOL11-TX
More informationYou must always read the fine print of the contract and understand the limits or exclusion clauses.
Life insurance Introduction This is an introductory guide to help you understand how life insurance works. It gives you basic information so that you can make an informed decision when purchasing life
More informationNWL s Withdrawal Benefit Rider 01-3128-09
NWL s Withdrawal Benefit Rider 01-3128-09 Still A Sure WIN to Provide Security For Your Withdrawal Income Needs! Optional Benefit Available on Indexed Annuities DM-1120.Rev.1.13 National Western Life Insurance
More informationUnderstanding. Universal Life PLC.1050 (11.09)
Understanding Universal Life PLC.1050 (11.09) Understanding Universal Life 3 ontents Features of a Permanent Life 4 Insurance Policy How Universal Life Works 4 Features Unique to Universal 5 Life Insurance
More informationUniversal Life. What is Universal Life? The Structure of a Universal Life Policy. A Flexible, Tax-Sheltered Investment Program
Many Canadians consider their Registered Retirement Saving Plan (RRSP) to be their best tax shelter. However, Universal Life (UL) insurance has become an increasingly popular long-term financial planning
More informationLive Today. Secure Tomorrow.
Live Today. Secure Tomorrow. Single Premium Indexed Universal Life Insurance Policy Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD 12-381 Expecting the Unexpected Just because the
More informationSAMPLE. means the age of a Life Insured on his or her nearest birthday.
DEFINITIONS The following are definitions of some of the terms used in your Equimax Whole Life policy. If you need additional information or clarification please call one of our Individual Customer Service
More informationNow is the right time to take control of your future. An Informative Brochure by Standard Life and Accident Insurance Company PB-PORT02R07
Now is the right time to take control of your future. An Informative Brochure by Standard Life and Accident Insurance Company PB-PORT02R07 Plan Well, Live Well, Retire Well Standard Life and Accident Insurance
More informationFinancial security at death. Why life insurance? Let s talk about how life insurance protects you
Financial security at death Why life insurance? Let s talk about how life insurance protects you Who needs life insurance? People with responsibility for others n Take care of the immediate challenges
More informationGuaranteed Protection Universal Life. Discover What s Possible
Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life
More informationProOption Multi-Year Guaranteed Annuity Product with Return of Premium
ProOption Multi-Year Guaranteed Annuity Product with Return of Premium guggenheim life and annuity ProOption Multi-Year Guaranteed Annuity Product with a Return of Premium Guarantee ProOption Multi-Year
More informationA Life Insurance Solution Offering Guaranteed Protection with the Flexibility to fit your own needs! More Choices - More Control!
Agent Reference Guide A Flexible Premium Life Insurance Policy with Equity Index Options Policy Form 01-1143-07 and state variations Funded by: A Single Premium Immediate Life Annuity Policy Form 01-1159-10
More informationAdvantage Builder II ABOUT AVIVA. Consumer product guide
ABOUT AVIVA Aviva Life and Annuity Company is part of Aviva USA, one of the fastest-growing life insurers in the United States, with more than 1,115,000 customers and 32,850 agents and distributors. We
More informationUNIVERSAL LIFE INSURANCE YOUR 5-MINUTE GUIDE. Flexible protection for what s most important in life
UNIVERSAL LIFE INSURANCE YOUR 5-MINUTE GUIDE Flexible protection for what s most important in life Protection for all the moments that matter Be sure to choose a product that meets long-term life insurance
More informationProOption Multi-Year Guaranteed Annuity Product with Return of Premium
Guggenheim Life and Annuity Company At Guggenheim Life and Annuity Company, we are 0 Pennsylvania Parkway, Suite 00 dedicated to serving the needs and financial goals Indianapolis, IN 80 of our customers.
More informationUnderstanding Annuities
Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance
More informationLIFE TERM. Guaranteed Level Term. Protection. Flexibility. Value.
LIFE TERM Guaranteed Level Term Protection. Flexibility. Value. Life. your waysm Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect and transfer wealth
More informationYou must always read the fine print of the contract and understand the limits or exclusion clauses.
Introduction This is an introductory guide to help you understand how life insurance works.it gives you basic information so that you can make an informed decision when purchasing life insurance policy.
More informationHow To Use A Massmutual Whole Life Insurance Policy
An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing
More informationCONFIDENCE FLEX 85. Confidence is Liquidity Liquidity is Confidence
CONFIDENCE FLEX 85 Confidence is Liquidity Liquidity is Confidence THE CONFIDENCE SERIES A GROUP FLEXIBLE PREMIUM DEFERRED ANNUITY WITH PREMIUM BONUS GROUP POLICY FORM 01-1114-98 CERTIFICATE FORM 01-1114CA-98
More informationThe Flexibility of Cash Value Life Insurance
Advanced Markets The Flexibility of Cash Value Life Insurance Beyond Protection With today s focus on value and flexibility, cash value life insurance comes into its own. Beyond its main purpose of death
More informationFlexible protection to help meet a lifetime of needs
TIAA-CREF Life Insurance Company Flexible protection to help meet a lifetime of needs Intelligent Life Universal Life Insurance and Intelligent Life Survivorship Universal Life Insurance Designed to meet
More informationLiberty Life Assurance Company of Boston. Estate MaximizerSM
Liberty Life Assurance Company of Boston Liberty Series Estate MaximizerSM Single Payment Whole Life Insurance Insurance Products: Not A Deposit Not FDIC Insured Not Insured By Any Federal Government Agency
More informationProtective Advantage Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14)
Protective Advantage Choice SM UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14) You need life insurance to provide financial protection for your loved ones. But you also understand the importance
More informationESTATEMAXTM. The Power of Participating Life Insurance
ESTATEMAXTM The Power of Participating Life Insurance What is EstateMax? EstateMax is a participating whole life insurance plan offered by Empire Life that combines permanent life insurance with the unique
More informationPolicy # Face Amount: $25,000 Age of Insured: 25
MASTER 1 - Page 1 SAMPLE WHOLE LIFE POLICY Insured: Joe Adams Start Date: July 1, 1980 Policy # Face Amount: $25,000 Age of Insured: 25 GENERAL PROVISIONS The Contract - This policy and the application
More informationROTH IRA REQUIREMENTS
Regarding Roth Individual Retirement Annuity (IRA) Plans Described in Section 408A of the Internal Revenue Code This Disclosure Statement ( Disclosure ) presents a general overview of the federal laws
More informationLIFE INSURANCE OVERVIEW
LIFE INSURANCE OVERVIEW Most people think of life insurance in terms of death benefit protection. However, today s policies also provide the vehicles for meeting other goals, such as saving for retirement
More informationReview Requirements Checklist INDIVIDUAL VARIABLE LIFE
General Filing Requirements Transmittal Letter 14 VAC 5-100-40 For Paper Filings: Must be submitted in duplicate for each filing, describing each form, its intended use and kind of insurance provided.
More informationgold series INTEREST SENSITIVE SINGLE PREMIUM WHOLE LIFE INSURANCE
gold series INTEREST SENSITIVE SINGLE PREMIUM WHOLE LIFE INSURANCE YOU CANNOT CHANGE THE DIRECTION OF THE WIND, BUT YOU CAN ADJUST THE SAILS TO REACH YOUR DESTINATION. interest sensitive single premium
More informationMassMutual Financial Strategies. Whole Life Legacy 100 SM. Making It Easy to Take Care of Business. insure invest retire.
MassMutual Financial Strategies Whole Life Legacy 100 SM Making It Easy to Take Care of Business insure invest retire Life Insurance Whole Life Legacy 100 helps make it easy to take care of business As
More informationLife insurance It s not just for dying anymore. Wednesday, 21 September, 11
Life insurance It s not just for dying anymore Questions Do you need life insurance? How much life insurance do you need? What are the different types of life insurance you can buy? What is the right type
More informationFiling fees must be remitted via EFT (Electronic Funds Transfer) through SERFF.
REVIEW REQUIREMENTS FORMS FILINGS REFERENCE COMMENTS General Requirements Note: Rate Filings for Life Insurance are not required. When a Filing contains a complete policy, actuarial support for the filing
More informationTax-Free Retirement Strategy With Permanent Life Insurance
Tax-Free Retirement Strategy With Permanent Life Insurance If presenter is a registered representative of ESI: Life Insurance Beyond the Death Benefit [Agent Name] is a Registered Representative of, and
More informationAllianz Dominator Plus Annuity
Allianz Life Insurance Company of North America Allianz Dominator Plus Annuity Assured interest with a locked-in interest rate. CB52121 Page 1 of 11 Allianz Dominator Plus Annuity from Allianz Life Insurance
More informationIssued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD Distributed by Legacy Marketing Group
Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD Distributed by Legacy Marketing Group Choices To Plan for the Long Term The financial challenges you face evolve with economic and life
More informationHow To Save An Annuity From Being Lost At The Hands Of The Taxman
Annuity Rescue Strategy An estate planning technique for individuals who own deferred annuities with sizable growth. Transamerica Occidental Life Insurance Company Despite the advantage of tax-deferred
More informationLearning about fixed annuities. M a k e f i n a n c i a l c h o i c e s Based on knowledge
Learning about fixed annuities M a k e f i n a n c i a l c h o i c e s Based on knowledge Not FDIC-insured May lose value Not a deposit No bank guarantee Not insured by any federal government agency 2
More informationFREE LIFE INSURANCE PRACTICE EXAM
FREE LIFE INSURANCE PRACTICE EXAM We offer an online video L&H exam prep course that includes over 10 hours of instruction. Our full pdf study manual and over 600 questions are also included. Please go
More informationLife insurance solutions for. business owners
Life insurance solutions for business owners Life insurance solutions for business owners What s the best life insurance for business owners? It depends on where you see yourself in the future and at which
More informationLife Insurance in Retirement Planning
Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT. 0251133-00002-00 Did You Know? Many high-income and high-net worth
More informationPlain talk about life insurance
Plain talk about life insurance Questions Do you need life insurance? How much life insurance do you need? What are the different types of life insurance you can buy? What is the right type of life insurance
More informationCONSIDERATION. This Policy is issued in consideration of the Application for this Policy and the payment of the Initial Premium.
Genworth Life Insurance Company (Hereinafter referred to as the Company ) A Stock Company State of Domicile: Delaware Home Office: [6610 West Broad Street, Richmond, VA 23230] Service Center Address: [3100
More informationLIFE INSURANCE & ANNUITIES. Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: ALMI-18384-D8-XX
Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: LIFE INSURANCE & ANNUITIES ALMI-18384-D8-XX 5450-42287 R E L I A B I L I T Y Life is filled with questions.
More informationA Story of Guarantees and Financial Versatility
A Story of Guarantees and Financial Versatility Whole Life Insurance A Consumer Brochure for Whole Life Understanding Introduction Whole life is a versatile financial product that provides unique benefits
More informationCertifies that it has issued the group insurance policy shown below and, subject to the terms of that policy you, the Insured, are eligible.
COMPANION LIFE INSURANCE COMPANY 7909 PARKLANE ROAD, SUITE 200, COLUMBIA, SC 29223-5666 PO Box 100102, Columbia, SC 29202-3102 (803) 735-1251 (Herein called Companion Life) Certifies that it has issued
More informationGuGGenHeiM LiFe And AnnuitY COMPAnY. Preserve Multi-Year Guaranteed Annuity Product
GuGGenHeiM LiFe And AnnuitY COMPAnY Preserve Multi-Year Guaranteed Annuity Product guggenheim life AnD Annuity COmPAny Preserve Multi-Year Guaranteed Annuity Product It s never too early to start planning
More informationLife Insurance. The Benefits of Protection and Preparation
Life Insurance The Benefits of Protection and Preparation life insurance,in all its varied forms, is quite simply a method for handling financial risk in the event of death. Instead of trying to amass
More informationBanner Life Insurance Company. 3275 Bennett Creek Avenue. Frederick, Maryland 21704. 800-638-8428. [Jane Doe], or subsequently changed by the Owner
RENEWABLE AND CONVERTIBLE TERM LIFE INSURANCE. Banner Life Insurance Company. 3275 Bennett Creek Avenue. Frederick, Maryland 21704. 800-638-8428 Insured - [John Doe] Face Amount - [$1,000,000] Policy Number
More informationFinancial security protection tailored for your lifestyle
G R E A T - W E S T L I F E U n i v e r s a l l i f e i n s u r a n c e Financial security protection tailored for your lifestyle F A L L 2 0 0 6 G r e a t - W e s t u n i v e r s a l l i f e i n s u
More informationProtective Custom Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6311 (07.14)
Protective Custom Choice SM UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6311 (07.14) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they
More informationONE YEAR TERM INSURANCE RIDER WITH TARGET FACE AMOUNT
ONE YEAR TERM INSURANCE RIDER WITH TARGET FACE AMOUNT While this rider is in force, any dividend credited to this policy will be used to purchase a combination of one year term insurance (OYT) and Dividend
More informationEverything You Need to Know About Life Insurance
PLC.6313 (04.14) Understanding Life Insurance Protect Tomorrow. Embrace Today.TM Life Insurance Is About Protection It helps provide security for your loved ones when they need it most. Protecting your
More informationAnnuity Owner Mistakes
Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands Provided to you by: William E. Watson III, RFC Registered Financial Consultant Annuity Owner Mistakes Written by Javelin Marketing, Inc.
More informationSINGLE PREMIUM LIFE. PRODUCER GUIDE For Agent use only. The Solution Before life presents the problem. SPL190
SINGLE PREMIUM LIFE TM PRODUCER GUIDE For Agent use only The Solution Before life presents the problem. SPL190 1 Based in Phoenix, Arizona, Oxford Life Insurance Company (Oxford Life) is a life and health
More informationHome Mortgage Series. Client Brochure Policy Series 297. Universal life insurance you can count on to help protect your family and mortgage.
11-149-5 (01-12) HMS100CBO Client:Layout 1 1/18/2012 11:12 AM Page 1 Home Mortgage Series Universal life insurance you can count on to help protect your family and mortgage. Client Brochure Policy Series
More informationNationwide YourLife Survivorship VUL. Product guide. Everyone could use a little balance
Nationwide YourLife Survivorship VUL Product guide Everyone could use a little balance Balance protection and growth potential You like the idea of leaving your family a legacy one day. If you have your
More informationNotice of Protection Provided by Utah Life and Health Insurance Guaranty Association
Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association This notice provides a brief summary of the Utah Life and Health Insurance Guaranty Association ( the Association )
More informationNon-Qualifi ed Fringe Benefi t Planning
Employee benefi t packages are increasingly viewed as an important form of compensation. The right mix of salary and other benefits can attract, and keep, top-quality employees. Non-Qualifi ed Fringe Benefi
More informationFG Immediate-Income. Single Premium Immediate Annuity. ADV 1011 (01-2011) Fidelity & Guaranty Life Insurance Company Rev.
Single Premium Immediate Annuity ADV 1011 (01-2011) Fidelity & Guaranty Life Insurance Company Rev. 07-2014 12-715 Single Premium Immediate Annuity Americans are living longer than ever before. Source:
More informationExplorer. Client Guide. A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11
Explorer A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11 Client Guide The Power to Help You Succeed Pacific Life has more than 140 years of experience, and we remain committed to providing
More informationHARTFORD LEADERS VUL LEGACY
HARTFORD LEADERS VUL LEGACY Preserve your legacy with variable universal life insurance Client: Jack Age: 42 Estimated net worth: $750,000 Profession: Warehouse manager His story: Married, three children
More informationTRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company
TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company Subject to the provisions of this Certificate and receipt of due proof of the Insured s
More informationROTH IRA REQUIREMENTS
Regarding Roth Individual Retirement Annuity (IRA) Plans Described in Section 408A of the Internal Revenue Code This Disclosure Statement ( Disclosure ) presents a general overview of the federal laws
More informationBuyer s Guide for Deferred Annuities Variable
Buyer s Guide for Deferred Annuities Variable Prepared by the NAIC National Association of Insurance Commissioners This guide does not endorse any company or policy Reprinted by John Hancock Life Insurance
More informationThe Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT
The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important information
More informationYour Annuity Contract The Safe, Secure Way to Ensure Your Savings
Your Annuity Contract The Safe, Secure Way to Ensure Your Savings standard insurance company S TANDARD I NSURANCE C OMPANY A S TOCK L IFE I NSURANCE C OMPANY 1100 SW S IXTH A VENUE P ORTLAND, O REGON 97204
More informationNationwide Quatro Select Annuity
Spend more time with the people who matter most and less time planning for retirement. Nationwide Quatro Select Annuity Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured
More informationUnderstanding fixed index universal life insurance
Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation potential, and tax advantages in one policy M-3959 Understanding fixed
More informationProtective Custom Choice SM UL
Protective Custom Choice SM UL Product Guide PLC.6311 (11.12) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they would be financially secure,
More informationProtect your home and family today. Client Brochure Policy Series 174
Protect your home and family today. Client Brochure Policy Series 174 Your home may be your most valuable asset... Provide peace of mind when you and your family need it most. Many families are forced
More informationAccumulator Variable Universal Life
Accumulator Variable Universal Life Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Century II Accumulator Variable Universal Life Features at a
More informationA guide to buying insurance from Wells Fargo Advisors
A guide to buying insurance from Wells Fargo Advisors What you should know before you buy Is life insurance right for you? Life insurance policies are designed for investors who: Seek liquidity to cover
More informationA guide to buying insurance
A guide to buying insurance What you should know before you buy Is life insurance right for you? Life insurance policies are designed for people who: Want to replace income that is lost due to death Seek
More informationPreserve what you spent a lifetime creating
An Overview Guide for Consumers Preserve what you spent a lifetime creating A look at MassMutual Survivorship Whole Life insurance Insurance Strategies Contents 1 Life insurance that works as hard as you
More informationSelling Life Insurance to Your Prospects and Clients
Selling Life Insurance to Your Prospects and Clients 1 The Value of Growing Life Sales Maximizing overall sales Growing new sales rather than shifting sales Further strengthen the agent/client relationship
More informationMassMutual Whole Life Insurance
A Technical Overview for Clients and their Advisors MassMutual Whole Life Insurance The product design and pricing process Contents 1 Foreword 2 A Brief History of Whole Life Insurance 3 Whole Life Basics
More informationPayouts. Protection. In One Place.
Payouts. Protection. In One Place. ING Single Premium Immediate Annuity issued by ING USA Annuity and Life Insurance Company Your future. Made easier. Payouts. Protection. In today s financial world, some
More informationFISPWL. Fixed Indexed Single Premium Whole Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life
FISPWL Fixed Indexed Single Premium Whole Life Insurance CONSUMER BROCHURE Wise Financial Thinking for Life Every goal reached is the launching point for another. FISPWL Consumer Brochure Wise Financial
More informationChapter 12. Life Insurance: An Introduction. Chapter 12 Learning Objectives. Life Insurance
Chapter 12 Life Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 12-1 Chapter 12 Learning Objectives 1. Define Life insurance and describe its purpose
More informationWhy Rent When You Can Own?
An Educational Guide for Individuals Why Rent When You Can Own? A comparison of term and permanent life insurance Insurance Strategies Contents 1 Protect the Ones Who Matter Most to You 2 Owning Permanent
More informationCash Bonus Elite. Annuity CB50330. Page 1 of 6
CB50330 Page 1 of 6 Cash Bonus Elite How would you like to enjoy up to 10% immediate growth on your money plus, up to 10% immediate growth on all additional payments made in the next 10 years? An exceptional
More informationGuaranteed life insurance protection with living benefits
Guaranteed life insurance protection with living benefits Symetra Classic Universal Life Insurance with Lapse Protection Benefit Not a bank or credit union deposit or obligation Not insured by any federal
More informationTerm Life and AD&D Insurance Employee Benefit Booklet RETIREES
Term Life and AD&D Insurance Employee Benefit Booklet RETIREES Term Life Insurance Employee Benefit Booklet MAUMEE CITY SCHOOLS F011878-0001 Class 1-04 Products and services marketed under the Dearborn
More informationINCOME PLANNING FOR YOUR LIFETIME. THE FACTS ON ANNUITIES
{ INCOME PLANNING FOR YOUR LIFETIME. } THE FACTS ON ANNUITIES ANNUITIES: INCOME PLANNING FOR YOUR LIFETIME Whether you are dreaming of golfing in Arizona or traveling around the world, a financially comfortable
More informationISSPWL. Interest Sensitive Single Premium Whole Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life
ISSPWL Interest Sensitive Single Premium Whole Life Insurance CONSUMER BROCHURE Wise Financial Thinking for Life Vision is the art of seeing what s invisible to others. FISPWL Consumer Brochure Wise Financial
More informationPacific Life Insurance Company [45 Enterprise Aliso Viejo, CA 92656 www.pacificlife.com (800) 347-7787]
Pacific Life Insurance Company [45 Enterprise Aliso Viejo, CA 92656 www.pacificlife.com (800) 347-7787] READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner, and us, Pacific Life
More informationEarning for Today and Saving for Tomorrow. Optional Life Insurance. inspiring possibilities
Earning for Today and Saving for Tomorrow Optional Life Insurance inspiring possibilities In This Summary Optional Life Insurance Plan Summary...2 Plan Highlights...3 Eligibility...4 For You For Your Eligible
More informationTERM OR PERMANENT LIFE INSURANCE
TERM OR PERMANENT LIFE INSURANCE WHICH OPTION IS RIGHT FOR YOU? It s the age-old life insurance question: Should you buy term or permanent life insurance? Some personal finance experts would have you believe
More information